The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$18,243
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,811
−HK$576/mo
Today · 4.125%
HK$19,387
baseline
▲ 0.50% · 4.625%
HK$20,567
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,774/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,295
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,840
−HK$552/mo
Today · 4.125%
HK$21,392
baseline
▲ 0.50% · 4.625%
HK$22,519
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,784/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,892
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,573
−HK$692/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,680
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,354
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,008
−HK$662/mo
Today · 4.125%
HK$25,670
baseline
▲ 0.50% · 4.625%
HK$27,023
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,340/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,541
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,335
−HK$807/mo
Today · 4.125%
HK$27,142
baseline
▲ 0.50% · 4.625%
HK$28,794
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,284/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,414
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,176
−HK$773/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,527
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,838
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,859
−HK$1,038/mo
Today · 4.125%
HK$34,897
baseline
▲ 0.50% · 4.625%
HK$37,020
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,794/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,532
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,511
−HK$994/mo
Today · 4.125%
HK$38,505
baseline
▲ 0.50% · 4.625%
HK$40,535
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,010/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,016 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).